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<SEC-DOCUMENT>0001072613-03-000072.txt : 20030114
<SEC-HEADER>0001072613-03-000072.hdr.sgml : 20030114
<ACCEPTANCE-DATETIME>20030114160454
ACCESSION NUMBER:		0001072613-03-000072
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20030113
ITEM INFORMATION:		Other events
ITEM INFORMATION:		Financial statements and exhibits
FILED AS OF DATE:		20030114

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			ADMIRALTY BANCORP INC
		CENTRAL INDEX KEY:			0001066808
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				650405207
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-24891
		FILM NUMBER:		03513656

	BUSINESS ADDRESS:	
		STREET 1:		4400 PGA BLVD
		STREET 2:		STE 200
		CITY:			PALM BEACH GARDENS
		STATE:			FL
		ZIP:			33410
		BUSINESS PHONE:		5616244100

	MAIL ADDRESS:	
		STREET 1:		4400 PGA BLVD STE 200
		STREET 2:		4400 PGA BLVD STE 200
		CITY:			PALM BEACH GARDENS
		STATE:			FL
		ZIP:			33410
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>form-8k_11682.txt
<DESCRIPTION>ADMIRALTY BANCORP, INC.
<TEXT>
================================================================================


                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549


                                    FORM 8-K


                                 CURRENT REPORT



                       Pursuant to Section 13 or 15(d) of
                       the Securities Exchange Act of 1934

        Date of Report (Date of earliest event reported) January 13, 2003
                                                         ----------------

                             ADMIRALTY BANCORP, INC.
                             -----------------------
             (Exact name of registrant as specified in its charter)

              Delaware                   0-24891              65-0405207
              --------                   -------              ----------
    (State or other jurisdiction       (Commission          (IRS Employer
          of incorporation)            File Number)       Identification No.)

                 4400 PGA Boulevard
             Palm Beach Gardens, Florida                         33410
             ---------------------------                         -----
       (Address of principal executive offices)                (Zip Code)



        Registrant's telephone number, including area code (561) 624-4701
                                                           --------------



================================================================================
<PAGE>


Item 5.  Other events.
         ------------

         Press Release dated January 13, 2003 announcing the receipt of all
regulatory approvals for Registrant's anticipated merger.

Item 7.  Exhibits.
         --------

         The following exhibits are filed with this Current Report on Form 8-K.

         Exhibit No.             Description
         -----------             -----------

            99                   Press Release dated January 13, 2003 announcing
                                 the receipt of all regulatory approvals for
                                 Registrant's anticipated merger.
<PAGE>

                                   SIGNATURES
                                   ----------

            Pursuant to the requirements of the Securities Exchange Act of 1934,
Admiralty Bancorp, Inc., has duly caused this report to be signed on its behalf
by the undersigned thereunto duly authorized.


                                        ADMIRALTY BANCORP, INC.
                                        -----------------------
                                              (Registrant)


Dated:   January 14, 2003               By: /s/ Kevin Sacket
                                            -----------------------------
                                            KEVIN SACKET
                                            Treasurer
<PAGE>

                                  EXHIBIT INDEX
                                  -------------

                           CURRENT REPORT ON FORM 8-K
                           --------------------------


Exhibit No.             Description                                     Page No.
- -----------             -----------                                     --------

99                      Press Release dated January 13, 2003              5-6
                        announcing the receipt of all regulatory
                        approvals for Registrant's anticipated merger.

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.2
<SEQUENCE>3
<FILENAME>ex-99_11682.txt
<DESCRIPTION>PRESS RELEASE
<TEXT>
                                                                      Exhibit 99
                                                                      ----------

PRESS RELEASE
- -------------

ADMIRALTY BANCORP, INC. ANNOUNCES RECEIPT OF ALL REGULATORY APPROVALS REQUIRED
FOR ACQUISITION BY RBC CENTURA

PALM BEACH GARDENS, FLORIDA, January 13, 2003...Admiralty Bancorp, Inc., (NASDAQ
NM: AAAB), parent company of Admiralty Bank, today announced that an order of
approval from the Board of Governors of the Federal Reserve System was received
in connection with Admiralty's acquisition by RBC Centura Banks, Inc., the U.S.
banking subsidiary of Royal Bank of Canada (NYSE, TSE: RY). The Federal
Reserve's approval completes the regulatory approvals required for the
acquisition. Admiralty anticipates that the acquisition will close as soon as
possible following the expiration of the 15-day waiting period required under
U.S. banking regulations, which is expected to occur prior to the end of January
2003.

ABOUT ADMIRALTY BANCORP

Admiralty Bancorp, Inc. (NASDAQ NM:AAAB) is the parent company for Admiralty
Bank. Admiralty Bank is a Florida-chartered commercial bank operating through
its main office in Palm Beach Gardens, Florida and nine branch offices located
in Altamonte Springs, Boca Raton, Cocoa Beach, Fort Lauderdale, Juno Beach,
Jupiter, Melbourne and Orlando, Florida. The Bank is a full-service financial
institution, catering to the needs of businesses, professionals, and private
banking clients.

ABOUT RBC CENTURA

RBC Centura delivers a wide range of financial services and advice, including a
complete line of banking, investment, insurance, leasing and asset management
services, to individuals and businesses in North Carolina, South Carolina,
Virginia and Georgia. RBC Centura's multifaceted customer access network
includes more than 240 full-service financial offices, an extensive ATM network,
telephone and Internet banking. "RBC Centura" is a brand name used by RBC
Centura Banks, Inc., a wholly owned subsidiary of Royal Bank of Canada (NYSE,
TSE: RY). Additional information may be found at WWW.RBCCENTURA.COM.
                                                 ------------------

ABOUT RBC

Royal Bank of Canada (NYSE, TSE: RY) uses the initials RBC as a prefix for its
businesses and operating subsidiaries, which operate under the master brand name
of RBC Financial Group. Royal Bank of Canada is Canada's largest financial
institution as measured by market capitalization and assets, and is one of North
America's leading diversified financial services companies. It provides personal
and commercial banking, wealth management services, insurance, corporate and
investment banking, and transaction processing services on a global basis. RBC
employs 60,000 people who serve more than 12 million personal, business and
public sector customers in North America and in some 30 countries around the
world. For more information, please visit www.rbc.com.

This press release contains "forward-looking statements" as defined under
Section 21E of the Securities Exchange Act of 1934. The Company desires to take
advantage of the "safe harbor" provisions of Section 21E and is including this
statement for the express purpose of availing itself of the protection of the
safe harbor with respect to all such forward-looking statements. These
forward-looking statements describe future plans or strategies and may include
the Company's expectations of future financial results. The words "believe,"
"expect," "anticipate," "estimate," "project," and similar expressions identify
forward-looking statements. The Company's ability to predict results or the
effect of future plans or strategies or qualitative or quantitative changes
based on market risk exposure is inherently uncertain. Factors which could
affect actual results include but are not limited to i) changes
<PAGE>

in general market interest rates, ii) general economic conditions, both in the
United States generally and specifically in the Company's market area, iii)
legislative/regulatory changes, iv) monetary and fiscal policies of the U.S.
Treasury and the Federal Reserve, v) changes in the quality or composition of
the Company's loans and investment portfolios, vi) demand for loan products,
vii) deposit flows, viii) competition, ix) demand for financial services in the
Company's markets, and x) the timing of closing of the pending acquisition by
RBC Centura and the expenses related thereto. These factors should be considered
in evaluating the forward-looking statements, and undue reliance should not be
placed on such statements.


Contact information:
            Investor Relations:  Barbara Moore
            Treasurer:  Kevin M. Sacket
            561.624.4701

</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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